What Works With What: Guide to Smart Home Tech

What Works With What: Guide to Smart Home Tech

Like self-driving cars, smart home tech is exciting because it’s convenient. Video doorbells let you see who’s there from anywhere — be it the couch or the other side of the country. Automated commands allow you to come home to illuminated lights, a disabled alarm, and a thermostat set to the perfect temp, all because…

Your Debt-to-Income Ratio and What It Means For Getting a Mortgage

Your Debt-to-Income Ratio and What It Means For Getting a Mortgage

The Debt-to-Income Ratio is: A debt-to-income ratio (DTI) is a fundamental financial metric that lenders use to evaluate a potential borrower’s ability to make monthly payments. Essentially: How likely are you to repay your loan in full? Your debt-to-income ratio is the total of all of your monthly debt payments divided by your gross monthly…

Cutting the Cord: Is It Worth It?

Cutting the Cord: Is It Worth It?

Since the dawn of streaming services, minimalists, TV fanatics, and budgeters have been asking if they should sever their cable contracts (also known as “cutting the cord”). That trend isn’t going anywhere: Leichtman Research Group reported that the cable and satellite TV industry lost 1.7 million video subscribers in the third quarter of 2019, compared…

Air Conditioning Buying Guide

Air Conditioning Buying Guide

An air conditioning unit is a luxury. When it’s sweltering outside, being able to escape the heat in the comfort of your own home is enormous. But, like most luxuries, your AC unit can cost you. In fact, ENERGY STAR reports that nearly 13% of the average American household’s utility bill goes toward cooling costs….

8 Grants and Loans Every First-Time Homebuyer Needs to Know About

8 Grants and Loans Every First-Time Homebuyer Needs to Know About

Buying a home is a big deal, especially when it’s your first one. Today, navigating the real estate market is more complicated than ever before. The 2019 home buyers and sellers generational trends report by the National Association of Realtors® found 42% homebuyers from ages 29 to 38 carry student loan debt, at an average…

Rideshare Safety Tips for Women: Understand the Risks of Your Trip

Rideshare Safety Tips for Women: Understand the Risks of Your Trip

Hitchhiking was normal practice at one time. People would get into a random car or pick up a total stranger. This practice is not common any longer, for various reasons, and especially for women. But every time a rideshare service like Uber or Lyft is used, that’s ultimately what women drivers and passengers are doing…

The Cost of High-Speed Internet

The Cost of High-Speed Internet

Internet is as essential nowadays as water, electricity and gas. But figuring out your options or how much your internet should cost per month is not easy. Let’s break down what’s available, the average cost of internet and how you can save on your monthly high-speed internet costs. What is high-speed internet? The FCC defines…

How to Improve Window Security

How to Improve Window Security

In America, a burglary occurs every 25.7 seconds, which works out to almost 4,000 burglaries per day. Out of all the entry points, windows are the second most popular way for thieves to gain entry into the home at 25%. By taking the right precautions to make sure that your windows are protected, you could…

How to Keep You and Your Pet Safe in an Auto Emergency

How to Keep You and Your Pet Safe in an Auto Emergency

Pet Safety on the Road According to a recent survey, it is estimated that 85 million families in the United States own at least one pet. That makes up 67% of the population. Many new pet owners are choosing pet ownership over starting families, and love and treat their pets as children. Being a responsible…

Surprising Things You Can Claim on Small Business Taxes

Surprising Things You Can Claim on Small Business Taxes

Starting a business can be a daunting venture. With steep upfront costs, heavily-crowded industries, and uneven playing fields, small businesses must find creative ways to grow while saving every penny in the process. Expenses incurred in the first year are often deductible, leaving you with some extra cash you may not have known you were…